By the way, when I was in Hong Kong in the first quarter, a friend gave me a U-card issued in Hong Kong. I won't mention the name, but the workmanship is still good. The accompanying app also has some staking functions, but the biggest problem is that this card can be used for payments and ATM withdrawals. What does this mean? This household is using an old plan around 19 years ago, which means that depositing stablecoins will not be directly converted into fiat currency. There needs to be a "conversion" process to convert stablecoins into Hong Kong dollars, and the interest rate is not very good. This is normal and also the main means of profit for U-cards. But the most important thing is that reverse exchange is not allowed. That is to say, if you exchange 1000 U to 7400 Hong Kong dollars (I am just an example), then you cannot transfer 7400 Hong Kong dollars, nor can you convert 7400 Hong Kong dollars back into U. The biggest problem here is to deposit funds. This type of card may have a very low usage rate in the end, and even if you have a Hong Kong dollar account, you cannot move the money inside. If there is any surplus for consumption, it becomes deposited funds, and deposited funds can only be used for consumption. So I still think the U-card solution is correct, but this route is probably wrong. If merchants cannot accept U for payment, they will inevitably face problems with accumulated funds or taxes in the end.